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Determinantes Del Acceso Al Crédito De Los Hogares

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  • Andrés Murcia Pabón

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Abstract

Este documento busca identificar los determinantes de acceso al crédito de los hogarescolombianos y encuentra que características tales como el ingreso, la riqueza, la posicióngeográfica, el acceso a la seguridad social, el nivel de educación y la edad afectan laprobabilidad de ser usuario de los servicios financieros acá analizados (tarjeta de crédito ycrédito hipotecario). Adicionalmente se encontró que una porción importante de poblacióncuenta con unas condiciones financieras favorables (representados en unas altas tasas deahorro) y no cuentan con acceso a servicios financieros, lo cual sugiere que podría haberposibilidades de expandir la oferta de crédito a ciertos segmentos.

Suggested Citation

  • Andrés Murcia Pabón, 2007. "Determinantes Del Acceso Al Crédito De Los Hogares," BORRADORES DE ECONOMIA 004017, BANCO DE LA REPÚBLICA.
  • Handle: RePEc:col:000094:004017
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    References listed on IDEAS

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    1. Mahlmann, Thomas, 2006. "Estimation of rating class transition probabilities with incomplete data," Journal of Banking & Finance, Elsevier, vol. 30(11), pages 3235-3256, November.
    2. Kiefer, Nicholas M, 1988. "Economic Duration Data and Hazard Functions," Journal of Economic Literature, American Economic Association, pages 646-679.
    3. José E. Gómez-Gonzalez & Nicholas M. Kiefer, 2009. "Bank Failure: Evidence From The Colombian Financial Crisis," The International Journal of Business and Finance Research, The Institute for Business and Finance Research, pages 15-31.
    4. Kiefer, Nicholas M. & Larson, C. Erik, 2007. "A simulation estimator for testing the time homogeneity of credit rating transitions," Journal of Empirical Finance, Elsevier, pages 818-835.
    5. Giovanni Ferri & Li-Gang Liu, 2003. "How Do Global Credit-Rating Agencies Rate Firms from Developing Countries?," Asian Economic Papers, MIT Press, pages 30-56.
    6. Liliana Rojas-Suarez, 2001. "Rating Banks in Emerging Markets: What Credit Rating Agencies Should Learn from Financial Indicators," Working Paper Series WP01-6, Peterson Institute for International Economics.
    7. Gomez-Gonzalez, Jose E. & Kiefer, Nicholas M., 2006. "Bank Failure: Evidence from the Colombia Financial Crisis," Working Papers 06-12, Cornell University, Center for Analytic Economics.
    8. Bangia, Anil & Diebold, Francis X. & Kronimus, Andre & Schagen, Christian & Schuermann, Til, 2002. "Ratings migration and the business cycle, with application to credit portfolio stress testing," Journal of Banking & Finance, Elsevier, vol. 26(2-3), pages 445-474, March.
    9. Lando, David & Skodeberg, Torben M., 2002. "Analyzing rating transitions and rating drift with continuous observations," Journal of Banking & Finance, Elsevier, vol. 26(2-3), pages 423-444, March.
    10. N. Jonker, 2002. "Credit Ratings of the Banking Sector," WO Research Memoranda (discontinued) 714, Netherlands Central Bank, Research Department.
    11. Kiefer, Nicholas M. & Larson, C. Erik, 2006. "A Simulation Estimator for Testing the Time Homogeneity of Credit Rating Transition," Working Papers 06-10, Cornell University, Center for Analytic Economics.
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    Citations

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    Cited by:

    1. Ana María Iregui-Bohórquez & Ligia Alba Melo-Becerra & María Teresa Ramírez-Giraldo & Ana María Tribín-Uribe, 2016. "Determinantes del acceso al crédito formal e informal: Evidencia de los hogares de ingresos medios y bajos en Colombia," Borradores de Economia 956, Banco de la Republica de Colombia.

    More about this item

    Keywords

    Hogares; Bancarización; Acceso al crédito.;

    JEL classification:

    • C25 - Mathematical and Quantitative Methods - - Single Equation Models; Single Variables - - - Discrete Regression and Qualitative Choice Models; Discrete Regressors; Proportions; Probabilities
    • C43 - Mathematical and Quantitative Methods - - Econometric and Statistical Methods: Special Topics - - - Index Numbers and Aggregation
    • D19 - Microeconomics - - Household Behavior - - - Other
    • D59 - Microeconomics - - General Equilibrium and Disequilibrium - - - Other

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